WO2000022582A1 - Device for acquiring and transferring data concerning payment means to a banking institution - Google Patents
Device for acquiring and transferring data concerning payment means to a banking institution Download PDFInfo
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- WO2000022582A1 WO2000022582A1 PCT/FR1999/002440 FR9902440W WO0022582A1 WO 2000022582 A1 WO2000022582 A1 WO 2000022582A1 FR 9902440 W FR9902440 W FR 9902440W WO 0022582 A1 WO0022582 A1 WO 0022582A1
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- Prior art keywords
- dialing
- telephone
- telephone numbers
- modem
- link
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Classifications
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M11/00—Telephonic communication systems specially adapted for combination with other electrical systems
- H04M11/06—Simultaneous speech and data transmission, e.g. telegraphic transmission over the same conductors
- H04M11/066—Telephone sets adapted for data transmision
Definitions
- the present invention relates to a device for acquiring and transferring information relating to means of payment to a banking organization.
- such devices include means for reading the payment means connected to a central processing unit, and means for dialing telephone numbers associated with a modem for establishing a telephone link with the server center.
- An example of such a device is constituted by electronic payment terminals.
- Electronic payment terminals require the establishment of a telephone link with the server center of a banking organization, on the one hand, to obtain an authorization number for transactions involving sums greater than one predetermined threshold value, set to date at F. 600 and, on the other hand, to periodically credit the merchant's bank account with the sums corresponding to the transactions carried out.
- a merchant may also be faced with the same problem when he wishes to use a device for reading and checking checks which also requires the establishment of a telephone link with a banking organization.
- the object of the invention is to overcome these drawbacks. It therefore relates to a device for acquiring information relating to means of payment and transfer thereof to a server center of a banking organization, of the aforementioned type, characterized in that the means for dialing numbers telephone systems and the associated modem consist of elements of wireless telephone circuits.
- wireless telephone circuit element is meant, within the framework of the present description, circuits of a mobile or cellular telephone apparatus, that is to say, of a telephone set in communication by radio waves with a relay or base station covering a geographical area of the public telephone network.
- the device for acquiring and transferring information relating to means of payment may also include one or more of the following characteristics, taken in isolation or in any technically possible combination:
- It further comprises second means for dialing telephone numbers and a second modem associated with the latter, consisting of elements of cable telephone circuits, and a switching device ensuring selective communication between the central unit and the first or second means of dialing telephone numbers;
- the switching member is constituted by a switching member which can be actuated manually by a user;
- the switching member comprises voltage detection means provided in a circuit for interfacing with a switched telephone network;
- Said first means for dialing telephone numbers and the associated modem are arranged in a box separate from the rest of the device, the box comprising, connected at the input of the latter, a circuit for emulating a switched telephone network associated with means detecting the telephone numbers dialed by said second dialing means and means for adapting the transmission speeds of the data transmitted between the first and second dialing means;
- the adaptation means are constituted by means of temporary storage of the data
- the emulation circuit is connected to the second means for dialing telephone numbers by a wireless link, in particular an infrared link of the IrDA type;
- the first means of dialing telephone numbers are connected to a wireless telephone set; the first means for dialing telephone numbers are connected to the telephone set by a wireless link, in particular an infrared link of the IrDA type;
- - it constitutes an electronic payment terminal; - it constitutes a device for reading and checking checks.
- FIG. 1 is a schematic perspective view of an embodiment of an information acquisition and transfer device according to the invention.
- FIG. 1 is a block diagram of the device of Figure 1;
- FIG. 3 is a block diagram showing the constitution of another embodiment of a device for acquiring and transferring information relating to means of payment.
- a device for acquiring and transferring information relating to means of payment there is shown a device for acquiring and transferring information relating to means of payment.
- the device designated by the general reference 10
- the device is constituted by an electronic payment terminal ensuring, as is conventional, reading of the information contained in a payment bank card (not shown) such as the bank details and the name of the card holder and their transfer to the server center of a banking organization, accompanied by information corresponding to a transaction to be carried out.
- a payment bank card not shown
- the server center of a banking organization accompanied by information corresponding to a transaction to be carried out.
- the device 10 comprises, as is conventional, an actual terminal 12 equipped with smart card and magnetic stripe card readers 14 and a keyboard 16 allowing manual entry of the data corresponding to the transactions to be carried out, and a base 18 on which the terminal 12 rests in the standby position.
- the base 18 includes a central data processing unit 20 to which are connected first means for dialing telephone numbers 22 and second means for dialing telephone numbers 24.
- the first and second means for dialing telephone numbers 22 and 24 are each associated with a modem, respectively 26 and 28, ensuring, on the one hand, the transmission, the modulation of the data from the processing unit 20 with a view to their transmission over telephone networks and, on the other hand, upon reception, the demodulation of the data received from the banking organization in view of their transmission to the processing unit 20.
- the first, 22, and second 24, means for dialing telephone numbers are means of conventional type, suitable for the intended use.
- the first means 22 for dialing telephone numbers and the modem 26 are made from elements of wireless telephone circuits, that is to say, capable of ensuring the numbering and transmission of data digital on a "mobile” or “wireless” telephone network, depending on the standard used for data transmission.
- the second means 24 for dialing telephone numbers are constituted by elements of DTMF type telephone circuits allowing dialing on the public switched telephone network.
- Two interface circuits, 30 and 32 connected respectively to the first and second means for dialing telephone numbers and to the associated modem ensure the connection of the device on the one hand, to the wireless telephone network and, on the other hand, to the switched telephone network.
- the first interface circuit 30 is intended to allow the connection of a cellular telephone set 34 ( Figure 1), while the second interface circuit 32 is directly connected to a telephone line.
- the base circuit is completed by a switching circuit 36 selectively ensuring the communication of the data processing unit 20 with the first or second means for dialing telephone numbers for the exchange of information with a center. server, after establishment of a telephone communication, either by the switched telephone network, or by the telephone network
- the switching circuit 36 is constituted by a selector which can be actuated manually by a user, for example by means of a push button, according to the chosen mode of transmission.
- the switching circuit 36 ensures detection of the voltage present at the second interface circuit 32, that is to say at the level of the connection of the latter to the switched telephone network, using an appropriate voltage detector, and ensures communication between the processing unit 20 and the switched telephone network in the event of detection of a voltage equal to 48 V for France for example, corresponding to the voltage conventionally present on a telephone line, and simultaneously disconnects the unit 20 from the first interface circuit 30.
- the first means for dialing telephone numbers and the associated modem are incorporated in a separate box which plugs into the telephone socket on the base of a conventional electronic payment terminal, the second means for dialing telephone numbers and the modem being arranged in the base.
- the device comprises, at the input, a circuit 38 for emulating the fixed network, of the conventional type, ensuring reception of the data delivered by the base 18 of the electronic payment terminal 10, and connected to a circuit for detecting telephone numbers dialed by the means for dialing telephone numbers integrated into the base, designated by the general reference numeral 40 and associated with a modem 42, also of the conventional type.
- the detection circuit 40 and the modem 42 are connected to means 44 for dialing telephone numbers and to a corresponding modem 46, identical to the first means for dialing telephone numbers 22 and to modem 26 in FIG. 2, themselves connected to an interface circuit 48 to which a cellular telephone set (not shown) is connected.
- a circuit 50 for adapting the transmission speeds of the data transmitted between the first and second means for dialing telephone numbers, disposed respectively in the separate housing and in the base, is disposed, on the one hand, between the detection circuit 40 and the associated modem 42 and, on the other hand, the telephone number dialing circuit 44 and the associated modem 46.
- This circuit 50 incorporates temporary storage means of the data transmitted between the base and the mobile telephone network so as to adapt the transmission speed of the data conveyed on the fixed switched telephone network to that of the mobile telephone network. It is understood that this exemplary embodiment makes it possible to transmit data towards a banking organization by using a cellular telephone, while using a payment terminal of conventional type.
- the cellular telephone set is connected, by means of a wired link, to the corresponding interface.
- the invention is not limited to the embodiments described, in which the device consists of an electronic payment terminal.
- the device can also be arranged in the form of a check reading and checking device for reading the references carried on a check and transmitting them to a banking organization in order to check, for example, that the check is not objected to.
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- General Business, Economics & Management (AREA)
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Abstract
Description
Dispositif d ' acquisition et de transfert d ' informations relatives à des moyens de paiement vers un organisme bancaireDevice for acquiring and transferring information relating to means of payment to a banking organization
La présente invention est relative à un dispositif d'acquisition et de transfert d'informations relatives à des moyens de paiement vers un organisme bancaire.The present invention relates to a device for acquiring and transferring information relating to means of payment to a banking organization.
Classiquement, de tels dispositifs comportent des moyens de lecture des moyens de paiement raccordés à une unité centrale de traitement, et des moyens de composition de numéros téléphoniques associés à un modem pour l'établissement d'une liaison téléphonique avec le centre serveur.Conventionally, such devices include means for reading the payment means connected to a central processing unit, and means for dialing telephone numbers associated with a modem for establishing a telephone link with the server center.
Un exemple de dispositif de ce type est constitué par les terminaux de paiements électroniques.An example of such a device is constituted by electronic payment terminals.
Ces terminaux, placés chez un commerçant, permettent d'effectuer les transactions par carte bancaire, avec sécurisation.These terminals, placed at a merchant's, make it possible to carry out transactions by bank card, with security.
Ils comportent un socle fixe muni de moyens de raccordement à une ligne téléphonique et un terminal proprement dit -équipé d'un lecteur de cane et d'un clavier permettant d'entrer le montant de transaction à effectuer et permettant au porteur de la carte de s'identifier. Les terminaux de paiement électronique nécessitent l'établissement d'une liaison téléphonique avec le centre serveur d'un organisme bancaire, d'une part, pour l'obtention d'un numéro d'autorisation pour des transactions portant sur des sommes supérieures à une valeur de seuil prédéterminée, fixée à ce jour à F. 600 et, d'autre part, pour porter périodiquement au crédit du compte bancaire du commerçant les sommes correspondant aux transactions effectuées.They include a fixed base provided with means of connection to a telephone line and a terminal proper - equipped with a cane reader and a keyboard making it possible to enter the amount of transaction to be carried out and allowing the card holder to identify yourself. Electronic payment terminals require the establishment of a telephone link with the server center of a banking organization, on the one hand, to obtain an authorization number for transactions involving sums greater than one predetermined threshold value, set to date at F. 600 and, on the other hand, to periodically credit the merchant's bank account with the sums corresponding to the transactions carried out.
Dans certaines circonstances, par exemple lorsque le commerçant est itinérant, ou lorsqu'il dispose.d'un stand sur un salon, c'est-à-dire dans des situations dans lesquelles le commerçant n'a pas de prise téléphonique à sa disposition, il n'est pas possible d'obtenir, à l'aide du terminal de paiement électronique, un numéro d'autorisation préalable et de porter au crédit de son compte les encaissements effectués.In certain circumstances, for example when the merchant is itinerant, or when he has a stand at a trade fair, that is to say in situations in which the merchant has no telephone outlet at his disposal , it is not possible to obtain, using the electronic payment terminal, a prior authorization number and to credit to your account the collections made.
Un commerçant peut également être confronté à ce même problème lorsqu'il souhaite utiliser un dispositif de lecture et de vérification de chèques qui nécessite également l'établissement d'une liaison téléphonique avec un organisme bancaire. Le but de l'invention est de pallier ces inconvénients. Elle a donc pour objet un dispositif d'acquisition d'informations relatives à des moyens de paiement et de transfert de ces dernières vers un centre serveur d'un organisme bancaire, du type précité, caractérisé en ce que les moyens de composition de numéros téléphoniques et le modem associé sont constitués par des éléments de circuits de téléphonie sans fil.A merchant may also be faced with the same problem when he wishes to use a device for reading and checking checks which also requires the establishment of a telephone link with a banking organization. The object of the invention is to overcome these drawbacks. It therefore relates to a device for acquiring information relating to means of payment and transfer thereof to a server center of a banking organization, of the aforementioned type, characterized in that the means for dialing numbers telephone systems and the associated modem consist of elements of wireless telephone circuits.
Par élément de circuit de téléphonie sans fil, on entend, dans le cadre de la présente description, des circuits d'un appareil téléphonique mobile ou cellulaire, c'est-à- dire, d'un poste téléphonique en communication par ondes hertziennes avec un relais ou station de base couvrant une zone géographique du réseau téléphonique public.By wireless telephone circuit element is meant, within the framework of the present description, circuits of a mobile or cellular telephone apparatus, that is to say, of a telephone set in communication by radio waves with a relay or base station covering a geographical area of the public telephone network.
Le dispositif d'acquisition et de transfert d'informations relative à des moyens de paiement, selon l'invention, peut en outre comporter une ou plusieurs des caractéristiques suivantes, prises isolément ou selon toutes les combinaisons techniquement possibles :The device for acquiring and transferring information relating to means of payment, according to the invention, may also include one or more of the following characteristics, taken in isolation or in any technically possible combination:
- il comporte en outre des deuxièmes moyens de composition de numéros téléphoniques et un deuxième modem associé à ces derniers, constitués par des éléments de circuits de téléphonie câblée, et un oζgane de commutation assurant la mise en communication sélective de l'unité centrale avec les premiers ou deuxièmes moyens de composition de numéros téléphoniques ;- It further comprises second means for dialing telephone numbers and a second modem associated with the latter, consisting of elements of cable telephone circuits, and a switching device ensuring selective communication between the central unit and the first or second means of dialing telephone numbers;
- l'organe de commutation est constitué par un organe de commutation actionnable manuellement par un utilisateur ;the switching member is constituted by a switching member which can be actuated manually by a user;
- l'organe de commutation comporte des moyens de détection de tension prévus dans un circuit d'interface avec un réseau téléphonique commuté ; - lesdits premiers moyens de composition de numéros téléphoniques et le modem associé sont disposés dans un boîtier séparé du reste du dispositif, le boîtier comportant, raccordé en entrée de ces derniers, un circuit d'émulation d'un réseau téléphonique commuté associé à des moyens de détection des numéros téléphoniques composés par lesdits deuxièmes moyens de composition et des moyens d'adaptation des vitesses de transmission des données transmises entre les premiers et deuxièmes moyens de composition de numéros téléphoniques ;- The switching member comprises voltage detection means provided in a circuit for interfacing with a switched telephone network; - Said first means for dialing telephone numbers and the associated modem are arranged in a box separate from the rest of the device, the box comprising, connected at the input of the latter, a circuit for emulating a switched telephone network associated with means detecting the telephone numbers dialed by said second dialing means and means for adapting the transmission speeds of the data transmitted between the first and second dialing means;
- les moyens d'adaptation sont constitués par des moyens de mémorisation temporaire des données ;the adaptation means are constituted by means of temporary storage of the data;
- le circuit d'émulation est raccordé aux deuxièmes moyens de composition de numéros téléphoniques par une liaison sans fil, notamment une liaison par infrarouges de type IrDA;the emulation circuit is connected to the second means for dialing telephone numbers by a wireless link, in particular an infrared link of the IrDA type;
- les premiers moyens de composition de numéros téléphoniques sont raccordés à un poste téléphonique sans fil ; - les premiers moyens de composition de numéros téléphoniques sont raccordés au poste téléphonique par une liaison sans fil, notamment une liaison par infrarouges de type IrDA ;- The first means of dialing telephone numbers are connected to a wireless telephone set; the first means for dialing telephone numbers are connected to the telephone set by a wireless link, in particular an infrared link of the IrDA type;
- il constitue un terminal de paiement électronique ; - il constitue un dispositif de lecture et de vérification de chèques.- it constitutes an electronic payment terminal; - it constitutes a device for reading and checking checks.
D'autres caractéristiques et avantages ressortiront de la description suivante, données uniquement à titre d'exemple, et faite en référence aux dessins annexés sur lesquels :Other characteristics and advantages will emerge from the following description, given solely by way of example, and made with reference to the appended drawings in which:
- la figure 1 est une vue schématique en perspective d'un exemple de réalisation d'un dispositif d'acquisition et de transfert d'informations selon l'invention ;- Figure 1 is a schematic perspective view of an embodiment of an information acquisition and transfer device according to the invention;
- la figure 2 est un schéma synoptique du dispositif de la figure 1 ; et- Figure 2 is a block diagram of the device of Figure 1; and
- la figure 3 est un schéma synoptique montrant la constitution d'un autre mode de réalisation d'un dispositif d'acquisijion et de transfert d'informations relatives à des moyens de paiement. Sur la figure 1, on a représenté un dispositif d'acquisition et de transfert d'informations relatives à des moyens de paiement.- Figure 3 is a block diagram showing the constitution of another embodiment of a device for acquiring and transferring information relating to means of payment. In Figure 1, there is shown a device for acquiring and transferring information relating to means of payment.
Dans l'exemple de réalisation représenté sur cette figure, le dispositif, désigné par la référence numérique générale 10, est constitué par un terminal de paiement électronique assurant, comme cela est classique, une lecture des informations contenues dans une carte bancaire de paiement (non représentée) telles que les références bancaires et le nom du porteur de la carte et leur transfert en direction du centre serveur d'un organisme bancaire-, accompagnées des informations correspondant à une transaction à effectuer.In the embodiment shown in this figure, the device, designated by the general reference 10, is constituted by an electronic payment terminal ensuring, as is conventional, reading of the information contained in a payment bank card (not shown) such as the bank details and the name of the card holder and their transfer to the server center of a banking organization, accompanied by information corresponding to a transaction to be carried out.
Le dispositif 10 comporte, comme cela est classique, un terminal proprement dit 12 équipé de lecteurs 14 de carte bancaire à puce et à bande magnétique et d'un clavier 16 permettant d'entrer manuellement les données correspondant aux transactions à effectuer, et un socle 18 sur lequel repose, en position d'attente, le terminal 12.The device 10 comprises, as is conventional, an actual terminal 12 equipped with smart card and magnetic stripe card readers 14 and a keyboard 16 allowing manual entry of the data corresponding to the transactions to be carried out, and a base 18 on which the terminal 12 rests in the standby position.
Comme cela est visible sur la figure 2, le socle 18 comporte une unité centrale de traitement de données 20 à laquelle sont raccordés des premiers moyens de composition de numéros téléphoniques 22 et des deuxièmes moyens de composition de numéros téléphoniques 24.As can be seen in FIG. 2, the base 18 includes a central data processing unit 20 to which are connected first means for dialing telephone numbers 22 and second means for dialing telephone numbers 24.
Les premiers et deuxièmes moyens de composition de numéros téléphoniques 22 et 24 sont chacun associés à un modem, respectivement 26 et 28, assurant, d'une part, à l'émission, la modulation des données issues de l'unité de traitement 20 en vue de leur transmission sur des réseaux de téléphonie et, d'autre part, à la réception, la démodulation des données reçues en provenance de l'organisme bancaire en vue de leur transmission vers l'unité de traitement 20. Les premiers, 22, et deuxièmes 24, moyens de composition de numéros téléphoniques sont des moyens de type classique, appropriés pour l'utilisation envisagée.The first and second means for dialing telephone numbers 22 and 24 are each associated with a modem, respectively 26 and 28, ensuring, on the one hand, the transmission, the modulation of the data from the processing unit 20 with a view to their transmission over telephone networks and, on the other hand, upon reception, the demodulation of the data received from the banking organization in view of their transmission to the processing unit 20. The first, 22, and second 24, means for dialing telephone numbers are means of conventional type, suitable for the intended use.
Ils ne seront donc pas décrits en détails.They will therefore not be described in detail.
On notera toutefois que les premiers moyens 22 de composition de numéros téléphoniques et le modem 26 sont réalisés à partir d'éléments de circuits de téléphonie sans fil, c'est-à-dire, capables d'assurer la numérotation et la transmission de données numériques sur un réseau de téléphonie "mobile" ou "sans fil" et ce, en fonction de la norme utilisée pour la transmission des données.Note however that the first means 22 for dialing telephone numbers and the modem 26 are made from elements of wireless telephone circuits, that is to say, capable of ensuring the numbering and transmission of data digital on a "mobile" or "wireless" telephone network, depending on the standard used for data transmission.
On notera également que les deuxièmes moyens 24 de composition de numéros téléphoniques sont constitués par des éléments de circuits téléphoniques de type DTMF permettant la numérotation sur le réseau téléphonique commuté public.It will also be noted that the second means 24 for dialing telephone numbers are constituted by elements of DTMF type telephone circuits allowing dialing on the public switched telephone network.
Deux circuits d'interface, 30 et 32, raccordés respectivement aux premiers et deuxièmes moyens de composition de numéros téléphoniques et au modem associé assurent le raccordement du dispositif d'une part, au réseau téléphonique de téléphonie sans fil et, d'autre part, au réseau téléphonique commuté. En effet, le premier circuit d'interface 30 est destiné à permettre le branchement d'un poste téléphonique cellulaire 34 (figure 1), alors que le deuxième circuit d'interface 32 vient directement se raccorder à une ligne téléphonique.Two interface circuits, 30 and 32, connected respectively to the first and second means for dialing telephone numbers and to the associated modem ensure the connection of the device on the one hand, to the wireless telephone network and, on the other hand, to the switched telephone network. Indeed, the first interface circuit 30 is intended to allow the connection of a cellular telephone set 34 (Figure 1), while the second interface circuit 32 is directly connected to a telephone line.
Le circuit du socle est complété par un circuit de commutation 36 assurant sélectivement la mise en communication de l'unité de traitement de données 20 avec les premiers ou deuxièmes moyens de composition de numéros téléphoniques en vue de l'échange d'informations avec un centre serveur, après établissement d'une communication téléphonique, soit par le réseau téléphonique commuté, soit par le réseau de téléphonieThe base circuit is completed by a switching circuit 36 selectively ensuring the communication of the data processing unit 20 with the first or second means for dialing telephone numbers for the exchange of information with a center. server, after establishment of a telephone communication, either by the switched telephone network, or by the telephone network
"mobile"."mobile".
Selon un premier mode de réalisation, le circuit de commutation 36 est constitué par un sélecteur actionnable manuellement par un utilisateur, par exemple au moyen d'un bouton-poussoir, en fonction du mode de transmission choisi.According to a first embodiment, the switching circuit 36 is constituted by a selector which can be actuated manually by a user, for example by means of a push button, according to the chosen mode of transmission.
En variante, le circuit de commutation 36 assure une détection de la tension présente au niveau du deuxième circuit d'interface 32, c'est-à-dire au niveau de la zone de raccordement de ce dernier au réseau téléphonique commuté, en utilisant un détecteur de tension approprié, et assure la mise en communication de l'unité de traitement 20 avec le réseau téléphonique commuté en cas de détection d'une tension égale à 48 V pour la France par exemple, correspondant à la tension présente classiquement sur une ligne téléphonique, et déconnecte simultanément l'unité 20 du premier circuit d'interface 30.As a variant, the switching circuit 36 ensures detection of the voltage present at the second interface circuit 32, that is to say at the level of the connection of the latter to the switched telephone network, using an appropriate voltage detector, and ensures communication between the processing unit 20 and the switched telephone network in the event of detection of a voltage equal to 48 V for France for example, corresponding to the voltage conventionally present on a telephone line, and simultaneously disconnects the unit 20 from the first interface circuit 30.
Dans l'exemple de réalisation qui vient d'être décrit en référence à la figure 2, l'ensemble des éléments permettant l'établissement d'une liaison téléphonique sans fil, par l'intermédiaire d'un poste téléphonique cellulaire, avec le centre serveur d'un organisme bancaire sont intégrés au socle, sur lequel vient se connecter le poste téléphonique cellulaire.In the embodiment which has just been described with reference to FIG. 2, all of the elements allowing the establishment of a wireless telephone link, via a cellular telephone set, with the center server of a banking organization are integrated into the base, on which the cellular telephone set is connected.
Il serait possible, en variante, d'intégrer le poste téléphonique au socle, en dotant le socle de tous les circuits téléphoniques nécessaires pour l'établissement d'une liaison téléphonique.It would be possible, as a variant, to integrate the telephone set into the base, by providing the base with all the telephone circuits necessary for establishing a telephone link.
Selon un autre exemple de réalisation, représenté sur la figure 3, les premiers moyens de composition de numéros téléphoniques et le modem associé sont incorporés à un boîtier séparé venant se brancher sur la prise téléphonique du socle d'un terminal de paiement électronique classique, les deuxième moyens de composition de numéros téléphoniques et le modem étant disposés dans le socle.According to another exemplary embodiment, shown in FIG. 3, the first means for dialing telephone numbers and the associated modem are incorporated in a separate box which plugs into the telephone socket on the base of a conventional electronic payment terminal, the second means for dialing telephone numbers and the modem being arranged in the base.
Sur cette figure, des éléments identiques à ceux de la figure 2 portent les mêmes numéros de référence.In this figure, elements identical to those of Figure 2 have the same reference numbers.
Comme on le voit sur cette figure, selon cet exemple de réalisation, le dispositif comporte, en entrée, un circuit 38 d'émulation du réseau fixe, de type classique, assurant une réception des données délivrées par le socle 18 du terminal de paiement électronique 10, et raccordé à un circuit de détection des numéros téléphoniques composés par les moyens de composition de numéros téléphoniques intégrés au socle, désigné par la référence numérique générale 40 et associés à un modem 42, également de type classique.As can be seen in this figure, according to this exemplary embodiment, the device comprises, at the input, a circuit 38 for emulating the fixed network, of the conventional type, ensuring reception of the data delivered by the base 18 of the electronic payment terminal 10, and connected to a circuit for detecting telephone numbers dialed by the means for dialing telephone numbers integrated into the base, designated by the general reference numeral 40 and associated with a modem 42, also of the conventional type.
Le circuit de détection 40 et le modem 42 sont raccordés à des moyens 44 de composition de numéros téléphoniques et à un modem 46 correspondant, identiques aux premiers moyens de composition de numéros téléphoniques 22 et au modem 26 de la figure 2, eux mêmes raccordés à un circuit d'interface 48 sur lequel vient se raccorder un poste téléphonique cellulaire (non représenté). Un circuit 50 d'adaptation des vitesses de transmission des données transmises entre les premiers et deuxièmes moyens de composition de numéros téléphoniques, disposés respectivement dans le boîtier séparé et dans le socle, est disposé, entre, d'une part, le circuit de détection 40 et le modem 42 associé et, d'autre part, le circuit de composition de numéros téléphoniques 44 et le modem associé 46.The detection circuit 40 and the modem 42 are connected to means 44 for dialing telephone numbers and to a corresponding modem 46, identical to the first means for dialing telephone numbers 22 and to modem 26 in FIG. 2, themselves connected to an interface circuit 48 to which a cellular telephone set (not shown) is connected. A circuit 50 for adapting the transmission speeds of the data transmitted between the first and second means for dialing telephone numbers, disposed respectively in the separate housing and in the base, is disposed, on the one hand, between the detection circuit 40 and the associated modem 42 and, on the other hand, the telephone number dialing circuit 44 and the associated modem 46.
Ce circuit 50 incorpore des moyens de mémorisation temporaire des données transmises entre le socle et le réseau téléphonique mobile de manière à adapter la vitesse de transmission des données véhiculées sur le réseau téléphonique commuté fixe à celles du réseau téléphonique mobile. On conçoit que cet exemple de réalisation permet de transmettre des données en direction d'un organisme bancaire en utilisant un téléphone cellulaire, tout en utilisant un terminal de paiement de type classique.This circuit 50 incorporates temporary storage means of the data transmitted between the base and the mobile telephone network so as to adapt the transmission speed of the data conveyed on the fixed switched telephone network to that of the mobile telephone network. It is understood that this exemplary embodiment makes it possible to transmit data towards a banking organization by using a cellular telephone, while using a payment terminal of conventional type.
Dans les exemples de réalisation, décrits précédemment, on a considéré que le poste téléphonique cellulaire est raccordé, au moyen d'un liaison filaire, à l'interface correspondante.In the embodiments described above, it has been considered that the cellular telephone set is connected, by means of a wired link, to the corresponding interface.
Il serait toutefois possible, en variante, d'assurer une communication entre le téléphone cellulaire et le dispositif en utilisant une liaison sans fil, par exemple une liaison par infrarouges de type IrDA.It would however be possible, as a variant, to ensure communication between the cellular telephone and the device using a wireless link, for example an infrared link of IrDA type.
De même, il serait également possible, dans l'exemple de réalisation décrit en référence à la figure 3, d'envisager l'utilisation d'une telle liaison sans fil entre le terminal de paiement électronique et le boîtier .Similarly, it would also be possible, in the embodiment described with reference to Figure 3, to consider the use of such a wireless link between the electronic payment terminal and the box.
L'invention n'est pas limitée aux modes de réalisation décrits, dans lesquels le dispositif est constitué par un terminal de paiement électronique.The invention is not limited to the embodiments described, in which the device consists of an electronic payment terminal.
En effet, le dispositif peut également être agencé sous la forme d'un dispositif de lecture et de vérification de chèques pour la lecture des références portées sur un chèque et la transmission de ces dernières en direction d'un organisme bancaire en vue de vérifier, par exemple, que le chèque ne fait l'objet d'une opposition. Indeed, the device can also be arranged in the form of a check reading and checking device for reading the references carried on a check and transmitting them to a banking organization in order to check, for example, that the check is not objected to.
Claims
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| EP99947534A EP1121669B1 (en) | 1998-10-13 | 1999-10-11 | Device for acquiring and transferring data concerning payment means to a banking institution |
| AT99947534T ATE221230T1 (en) | 1998-10-13 | 1999-10-11 | DEVICE FOR COLLECTING AND TRANSMITTING PAYMENT DATA TO A MONEY INSTITUTION |
| DE69902291T DE69902291T2 (en) | 1998-10-13 | 1999-10-11 | DEVICE FOR DETECTING AND TRANSMITTING PAYMENT DATA TO A MONEY INSTITUTION |
| US09/807,544 US7474904B1 (en) | 1998-10-13 | 1999-10-11 | Device for acquiring and transferring data concerning payment means to a banking institution |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| FR98/12826 | 1998-10-13 | ||
| FR9812826A FR2784531B1 (en) | 1998-10-13 | 1998-10-13 | DEVICE FOR ACQUIRING AND TRANSFERRING INFORMATION RELATING TO MEANS OF PAYMENT TO A BANKING ORGANIZATION |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2000022582A1 true WO2000022582A1 (en) | 2000-04-20 |
Family
ID=9531507
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/FR1999/002440 Ceased WO2000022582A1 (en) | 1998-10-13 | 1999-10-11 | Device for acquiring and transferring data concerning payment means to a banking institution |
Country Status (7)
| Country | Link |
|---|---|
| US (1) | US7474904B1 (en) |
| EP (1) | EP1121669B1 (en) |
| AT (1) | ATE221230T1 (en) |
| DE (1) | DE69902291T2 (en) |
| ES (1) | ES2181477T3 (en) |
| FR (1) | FR2784531B1 (en) |
| WO (1) | WO2000022582A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6832718B2 (en) | 1999-12-23 | 2004-12-21 | Sagem Sa | Smart card payment terminal |
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- 1999-10-11 US US09/807,544 patent/US7474904B1/en not_active Expired - Fee Related
- 1999-10-11 ES ES99947534T patent/ES2181477T3/en not_active Expired - Lifetime
- 1999-10-11 EP EP99947534A patent/EP1121669B1/en not_active Expired - Lifetime
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Also Published As
| Publication number | Publication date |
|---|---|
| EP1121669A1 (en) | 2001-08-08 |
| EP1121669B1 (en) | 2002-07-24 |
| FR2784531A1 (en) | 2000-04-14 |
| ATE221230T1 (en) | 2002-08-15 |
| DE69902291T2 (en) | 2003-02-20 |
| ES2181477T3 (en) | 2003-02-16 |
| US7474904B1 (en) | 2009-01-06 |
| FR2784531B1 (en) | 2000-12-29 |
| DE69902291D1 (en) | 2002-08-29 |
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